Cheapest Auto Insurance in York, Pennsylvania (2026)

State Farm offers the cheapest car insurance in York, with rates starting at $45 per month.

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Cheapest recent rates near York, Pennsylvania

Drivers in and around York, Pennsylvania have found policies from First Acceptance, Root, Allstate, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around York, Pennsylvania within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around York, Pennsylvania within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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If you live in York, Pennsylvania, you’re in an excellent position for cheap car insurance rates. The average monthly premium here is just $110. That’s less than the national average of $142. York County, despite its low rates, has a high number of car accidents compared to other parts of the state and ranks third for traffic-related deaths.[1]

Here’s what you should know about the auto insurance market in York, as well as ways you can reduce your expenses as much as possible.

Quick Facts
  • State Farm, National General, and The General offer the lowest rates in York.

  • Drivers in York pay an average of $1,668 per year for a full-coverage insurance policy.

  • You can choose full or limited tort coverage to personalize your auto policy.

Cheapest car insurance companies in York

Your search for affordable auto insurance is about more than grabbing the cheapest deal. It’s about finding a plan that fits your individual needs and lifestyle. Drivers have different circumstances, cars, and driving habits, and your coverage should reflect that. 

The best way to find the right coverage for you is to compare quotes from several insurers. As you begin your search, keep these three in mind. Their statewide quotes for full and liability coverage are included below.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Foremost7.4$299$97Liability-only coverage
Erie8.4$96$60Commuters
State Farm9.3$83$51Young drivers
Disclaimer: Table data sourced from real-time York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in York may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for liability-only coverage: Foremost

User Reviews
3.7
3.7
A solid optionBased on 28 verified driver reviews and ratings
Foremost's score
Industry average
Coverage options3.53.2
Customer service2.83.6
Discounts3.52.9
Policy transparency3.63.1
Value3.32.9
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Pennsylvania is home to more than 9 million licensed drivers.[2] And as you join them, you want to do so affordably. Foremost stands out by offering some of the most affordable rates among York car insurance companies. It also has 28 local agents in the area.

Pros
  • Towing and roadside service

  • Rideshare driver coverage available

  • Backed by Farmers Insurance

Cons
  • Doesn’t provide quotes online

  • Missing common vehicle safety discounts

  • Mixed reviews about mobile app

Best insurer for commuters: Erie Insurance

User Reviews
4.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo
4.4
Best choiceBased on 520 verified driver reviews and ratings
Erie Insurance's score
Industry average
Coverage options4.23.2
Customer service3.63.6
Discounts3.82.9
Policy transparency4.03.1
Value3.72.9
How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

Based on analysis of verified reviews collected by Insurify

Best For
High customer satisfaction
Competitive rates
Optional coverages
Showing 21 Pennsylvania reviews for York driversSee all 233 Erie Insurance reviews
Paul
Verified Review
Erie Insurance - Good coverage, very high cost!
Very expensive, shop around and you'll get a better price.
James
Verified Review
Love Erie
The rates for a new vehicle on our policy are insane.
James
Verified Review
Erie
Good value.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
713
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

York drivers spend an average of 27 minutes traveling to work, according to the Center for Rural Pennsylvania.[3] If you’re among them, consider Erie Insurance. The insurance agency has 24 agents in York, with locations throughout the city, and offers a slew of policy options to make your driving and the costs associated with it a little more enjoyable.

Pros
  • Diminishing deductible option

  • Higher policy limits available

  • Personalize policy with discounts and coverage types

Cons
  • Poor reviews for mobile app

  • Low rating for customer service, according to the Better Business Bureau

  • History of complaints, according to the National Association of Insurance Commissioners (NAIC)

Best insurer for young drivers: State Farm

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$73/mo
4.0
Best choiceBased on 17,938 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best For
Customer service
Competitive rates
Discounts for safe drivers
Showing 47 Pennsylvania reviews for York driversSee all 7,524 State Farm reviews
Nick
Verified Review
Watch for cost changes monthly.
Watch their varying charges that change monthly. Some months I paid $255 and some months I paid $207 depending on their drive safe tracker use.
Rob
Verified Review
State Farm Our Choice, Our Coverage
Make sure you're comparing apples to apples.
Toni
Verified Review
Costly
It has gotten too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you’re one of the more than 900,000 Pennsylvania drivers who are younger than 25, State Farm could be especially appealing to you. Young drivers in York pay $193 on average for coverage. However, the average cost with State Farm for York drivers is just $98 per month for liability coverage. You also have access to 25 local State Farm insurance agents for personalized service.

Pros
  • One of the cheapest car insurance companies in York

  • Discounts for driver training, being a good student, and being away at college

  • Rideshare driver coverage available

Cons
  • No gap insurance coverage

  • Must purchase a policy from a local agent

  • Can be more expensive for drivers with an incident on their record

How to get the cheapest car insurance in York

Cheap car insurance is tricky to find because so many factors are at play. Your driving history, vehicle type, and even ZIP code can all influence your premium. Each insurance company weighs these details differently. Here are some ways you can save money:

  • Bundle up. Combine multiple insurance policies, like car and home insurance, to get a bundling discount for better rates.

  • Drive safely. Keep a clean driving record to qualify for the lowest premiums.

  • Choose a higher deductible. Agreeing to pay a higher deductible can lower your car insurance bill.

  • Ask for discounts. Always ask your insurer what discounts you may qualify for.

Find Cheap Car Insurance in York, Pennsylvania

Liability rates start as low as $45 per month

Excellent
4.7 out of 5 based on 14,283 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in York: State Farm

Liability-only car insurance is the most basic level of coverage available. It helps pay for the other person’s injuries and damages in an accident you cause. It also meets Pennsylvania’s minimum auto insurance requirements. However, the protection doesn’t extend to your car. It’s cheaper than other coverages, making it a good option if cost is your primary consideration.

State Farm offers the best insurance rates for liability coverage in York, with rates of just $45 per month.

The table below offers average monthly quotes for other York insurers.

The below rates in York, PA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$45
National General$50
Erie$52
The General$52
First Acceptance$53
Auto-Owners$57
Travelers$68
GEICO$70
Safeco$73
Direct Auto$76
Allstate$79
Bristol West$83
Root$89
Nationwide$90
USAA$91
Dairyland$96
Chubb$106
Liberty Mutual$110
GAINSCO$111
State Auto$123
CSAA$138
Disclaimer: Table data sourced from real-time York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in York may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in York: State Farm

Liability insurance takes care of the other person when you cause an accident, while full coverage also looks out for your car. It’s a good option if your car is newer or you’re still paying it off. You may also want to consider upgrading to full coverage if you spend a lot of time on the road since you may need full coverage before adding towing coverage.

State Farm stands out for budget-friendly full-coverage insurance, with monthly rates of $73, and you can compare other insurers in the table below.

The below rates in York, PA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$73
Erie$84
Auto-Owners$91
National General$106
Safeco$110
Travelers$110
Progressive$111
GEICO$114
Liberty Mutual$123
First Acceptance$126
Allstate$128
Root$136
Nationwide$145
Direct Auto$146
Bristol West$148
USAA$148
CSAA$159
Chubb$171
GAINSCO$200
State Auto$200
Dairyland$224
The General$255
Disclaimer: Table data sourced from real-time York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in York may vary based on the policy buyer's unique driver profile.

Recent Insurify quotes for York, Pennsylvania drivers

Recent York, Pennsylvania car insurance prices for Nissan, Hyundai, Acura, and more.

*Quotes generated for Insurify users in and around York, Pennsylvania within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around York, Pennsylvania within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Pennsylvania

Pennsylvania requires drivers to carry a 15/30/5 auto insurance policy.[4] Policies must also include a minimum of $5,000 in medical benefits. If you fail to maintain these standards and let your car insurance lapse, you could lose your vehicle registration privileges for three months.

The state of Pennsylvania also gives you the option to choose full or limited tort coverage. Limited tort policies are cheaper, but they don’t let you claim pain and suffering in most cases. However, you can recover any medical expenses you paid.[5]

Coverage
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Minimum Requirements
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Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000

The coverages above meet the state minimum. However, if you’re looking to enhance your coverage, a variety of options are available, including:

    illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage helps pay for injuries if you’re hit by someone who lacks insurance or if the person who hits you doesn’t have enough insurance to cover the associated costs.

    illustration card https://a.storyblok.com/f/162273/100x100/b7c4ec9291/respect.svg

    Funeral benefit

    This covers funeral costs if you or a family member dies in an auto accident.

    illustration card https://a.storyblok.com/f/162273/x/c822f20cb3/billing-related.svg

    Income loss

    If you can’t work because of accident injuries, this helps cover some lost pay.

    illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to fix your car if it gets damaged. If you have a car loan or lease, your bank or lender might require this coverage type.

    illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers car theft and damage from things like fire, floods, or hitting an animal. Also, your lender will usually require it if you have a loan or lease.

    illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement

    Rental reimbursement coverage helps pay for the cost of a rental car if yours is being fixed due to covered damage.

    illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing coverage

    Towing coverage helps with costs if your car needs to be towed. You might need a policy with comprehensive or collision coverage to add this.

    illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    If your car is totaled, gap insurance pays the difference between your car’s value and what you still owe on it.

Pennsylvania Assigned Risk Plan

illustration card https://a.storyblok.com/f/162273/150x150/e0873d69d8/states_pennsylvania.svg

Assigned Risk Plan

If you’re struggling to get car insurance because of a spotty driving record or another reason, auto insurance coverage from the Pennsylvania Assigned Risk Plan might be the right choice. The state requires every Pennsylvania car insurance company to be a part of this plan.

You can contact an agent or broker to apply for coverage, and they’ll submit your application. You don’t get the option to select which insurance company to use, but coverage can begin immediately.

Cheapest car insurance for drivers with an incident

If you have an incident on your record, it means you’ve had a speeding ticket, at-fault accident, DUI, or another moving violation. Incidents signal to insurers that your driving behavior is riskier, and you’ll likely pay higher premiums because of it.

In the sections that follow, you’ll see how each incident type can affect your rates.

Shop for Car Insurance in York, PA

Monthly rates start at $55 for drivers with an incident

Excellent
4.7 out of 5 based on 14,283 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: State Farm

In Pennsylvania, speeding causes the greatest number of car accidents and traffic fatalities.[1] With that in mind, it’s no surprise that speeding tickets on your record can drive up auto insurance premiums. In fact, drivers with a speeding ticket on their record pay an average monthly premium of $130.

Below, you’ll see the average cost of car insurance for drivers with a speeding ticket from several York auto insurance companies, compared to drivers with a clean record.

The below rates in York, PA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$45$55
National General$50$61
First Acceptance$53$63
Erie$52$67
The General$52$68
Auto-Owners$57$72
Travelers$68$86
GEICO$70$89
Direct Auto$76$93
Safeco$73$93
Allstate$79$100
Bristol West$83$102
Nationwide$90$113
USAA$91$114
Root$89$115
Dairyland$96$116
GAINSCO$111$129
Chubb$106$131
Liberty Mutual$110$136
State Auto$123$159
CSAA$138$174
Disclaimer: Table data sourced from real-time York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in York may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Insurers face additional liability and claim costs from at-fault accidents. The increased risk leads companies to charge higher premiums. Although York County has the fewest reported car crashes in the state, it ranked third for the most traffic-related deaths, according to the 2022 Pennsylvania Crash Facts and Statistics report from the Pennsylvania Department of Transportation.[1]

The average monthly premium for drivers in York with an accident on their record is $136.

The following table provides an overview of average quotes for drivers with and without an at-fault accident in York.

The below rates in York, PA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$45$58
National General$50$65
First Acceptance$53$66
Erie$52$67
The General$52$69
Auto-Owners$57$73
Travelers$68$89
GEICO$70$89
Safeco$73$99
Direct Auto$76$100
Allstate$79$103
Bristol West$83$106
Root$89$116
Nationwide$90$118
USAA$91$119
Dairyland$96$123
Chubb$106$137
GAINSCO$111$138
Liberty Mutual$110$142
State Auto$123$163
CSAA$138$201
Disclaimer: Table data sourced from real-time York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in York may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI is a serious incident that can affect your insurance rates dramatically. If you’re found guilty of driving under the influence, your insurer might cancel or refuse to renew your policy altogether. Even if you keep your insurer, you’ll see a significant jump in your auto insurance bill.

Drivers with a DUI on their record pay an average of $177 per month for coverage in York.

To see the different average prices for a York driver with a clean record compared to one with a DUI, consider the table below.

The below rates in York, PA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$45$69
National General$50$76
The General$52$77
Erie$52$79
First Acceptance$53$85
Auto-Owners$57$87
Travelers$68$104
GEICO$70$106
Direct Auto$76$116
Safeco$73$117
Allstate$79$120
Bristol West$83$127
Root$89$137
Nationwide$90$137
USAA$91$139
Dairyland$96$146
Chubb$106$162
Liberty Mutual$110$168
GAINSCO$111$169
State Auto$123$180
CSAA$138$210
Disclaimer: Table data sourced from real-time York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in York may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

As of 2022, more than 900,000 drivers in Pennsylvania are age 75 and older.[1] Of the accidents that this demographic had in 2022, 22% were single-car accidents, and an alarming 78% were multi-car accidents, according to data from the Pennsylvania Department of Transportation.[1] The increased crash risk is one reason drivers see rising car insurance rates around age 70.

York area seniors pay an average of $95 per month for car insurance, and you can check out low-cost insurers in the table below to get the best deal.

The below rates in York, PA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$35$57
National General$39$83
Erie$40$64
The General$44$218
Auto-Owners$45$72
First Acceptance$46$109
Travelers$54$88
GEICO$56$91
Direct Auto$62$120
Safeco$64$96
Allstate$64$104
Nationwide$69$111
Bristol West$69$124
USAA$74$120
Root$75$114
Chubb$80$129
Dairyland$82$191
Liberty Mutual$92$102
State Auto$93$152
GAINSCO$95$171
CSAA$107$123
Disclaimer: Table data sourced from real-time York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in York may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

A hefty car insurance bill often overshadows the thrill of getting a driver’s license as a teen. The Pennsylvania Department of Transportation reports that in 2022, young drivers were in nearly 25,000 crashes, 65% of which were multi-vehicle crashes.[1]

Teens have little experience behind the wheel. Combine that with youthful impulsiveness and peer pressure, and it all leads to riskier driving choices.

To ease the financial burden of high insurance costs, teens can remain on their parents’ insurance policy, choose a vehicle that gets high marks for safety, and improve their grades to qualify for a good student discount.

Teens pay an average of $193 per month for car insurance in York. Below, you’ll see a quote comparison for teens from various insurers to help you find the right coverage for you.

The below rates in York, PA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$86$140
The General$92$451
First Acceptance$93$221
Erie$94$152
National General$99$209
Auto-Owners$114$183
GEICO$125$203
Travelers$140$226
Bristol West$145$258
Direct Auto$145$279
Safeco$146$220
Root$152$232
Allstate$154$250
Dairyland$164$384
USAA$166$270
Nationwide$173$279
Liberty Mutual$190$212
GAINSCO$195$351
Chubb$215$347
CSAA$263$303
State Auto$296$481
Disclaimer: Table data sourced from real-time York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in York may vary based on the policy buyer's unique driver profile.

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York car insurance quotes by credit tier

Insurance companies review your credit history when setting your premiums. However, though companies can weigh credit information differently, it’s in your best interest to have a higher credit score.

Insurity data shows that drivers with excellent or good credit in York can save an average of up to $1,200 every year compared to drivers with poor credit.

Rates by Credit Tier

Category
Price
Excellent$130
Good$144
Fair$158
Poor$230

Is car insurance more expensive in York?

Car insurance rates vary across Pennsylvania. Even identical policies can have different price tags based on location. At $110 per month, York has some of the cheapest car insurance in the state, and it’s also cheaper than the national average of $142.

More cities in Pennsylvania

How does York compare to other cities in Pennsylvania? The table below shows you average monthly quotes for liability and full coverage in cities across the Keystone State.

City
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Allentown$103$174
Bethlehem$80$147
Erie$85$146
Harrisburg$84$153
Lancaster$76$140
Philadelphia$153$273
Pittsburgh$82$152
Reading$91$163
Wilkes-Barre$89$133
Disclaimer: Table data is based on real-time York quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

York car insurance FAQs

If you’re shopping for car insurance in York, PA, this additional information may help as you research your coverage options.

  • How much is car insurance in York?

    The average rate for car insurance in York is $110 per month. The average rate for liability coverage is $80, and the average rate for full coverage is $139.

  • Who has the cheapest car insurance in York?

    State Farm offers the cheapest car insurance in York, at a rate of $45 per month. Other cheap insurers include National General and The General, with monthly liability-only rates of $50 and $52, respectively.

    But these insurers may not be the cheapest for you. That’s why it’s always important to compare quotes to find the best insurance policy for your needs.

  • What are the best car insurance companies in York?

    Foremost Signature, Erie Insurance, and State Farm rank as three of the best insurance companies for York drivers. Each of these insurers has earned high marks for their customer service, low prices, or financial stability. As you compare quotes from several insurers, you should consider adding these three to your list.

  • What is the average cost of car insurance per month in Pennsylvania?

    The average rate for car insurance in Pennsylvania is $125 per month. The average rate for full coverage is $160 per month, and the average rate for liability coverage is $90.

  • What is the minimum auto insurance required in PA?

    Pennsylvania requires drivers to carry a 15/30/5 auto insurance policy. That means $15,000 in bodily injury coverage per person, $30,000 in bodily injury coverage per accident, and $5,000 for property damage. Policies must also include a minimum of $5,000 in medical benefits.

Sources

  1. Pennsylvania Department of Transportation. "PENNSYLVANIA CRASH FACTS & STATISTICS."
  2. PennDOT Driver & Vehicle Services. "Pennsylvania Driver Statistics."
  3. Center for Rural Pennsylvania. "Average Commute Time to Work."
  4. PennDOT Driver & Vehicle Services. "Insurance Overview Financial Responsibility."
  5. Pennsylvania Insurance Department. "Automobile Insurance Guide."

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Amy Beardsley
Written byAmy BeardsleyFreelance Insurance and Real Estate Writer
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Amy BeardsleyFreelance Insurance and Real Estate Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Katie Powers
Reviewed byKatie PowersLicensed P&C Agent, Senior Insurance Editor
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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